Osceola County property record for 4990 Spiral Way, Saint Cloud, FL 34771
| Property Type | Mobile Home |
|---|---|
| Details | 4 bd · 2 ba · 1,373 sqft · built 1986 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Aug 2020) |
| Tax Bill | $2,604 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-25-31-5151-0001-0040 |
| Primary APN | 08-25-31-5151-0001-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| Gross Area | 2,345 sqft |
| 1st Floor Area | 1,373 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool House | 528 sqft |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 396 sqft |
| Utility Building | 144 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 4990 SPIRAL WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7905 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OARM |
| Legal Description | SUNNY LAKE ESTATES PB 4 PG 101 LOT 4 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 08 |
| Legal Subdivision | SUNNY LAKE ESTATES |
| Legal Tract | 5151 |
| Legal Block | 40 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4990 SPIRAL WAY, SAINT CLOUD, FL 34771-7905 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Mar 29, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Aug 7, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2020 · Amount on Record |
| Deed Sale | Aug 7, 2020 · Amount on Record |
| Prior Sale | May 3, 2007 · Amount on Record |
| Deed Document Number | 2020104327 |
| Deed Book / Page | 5770 / 2579 |
| Prior Transfer Date | Apr 30, 2007 |
| Prior Transfer Doc | 0034711869 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4990 SPIRAL WAY, SAINT CLOUD, FL 34771-7905 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4990 SPIRAL WAY, SAINT CLOUD, FL 34771-7905 |
| Document Number | 0063780462 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | 6378/462 |
| Instrument | 2023035293 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 7, 2020 |
| Property Address | 4990 SPIRAL WAY, SAINT CLOUD, FL 34771-7905 |
| Document Number | 0057702579 |
| Book / Page | 5770 / 2579 |
| Map Reference | MB 4 PG 101 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020104327 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4726 W CONTINENTAL DR, 4726, GLENDALE, AZ 85308-3440 |
| Name | Verified Name |
|---|---|
| Address | 4990 SPIRAL WAY, SAINT CLOUD, FL 34771-7905 |
| Document Number | 0057702582 |
|---|---|
| Date | Aug 7, 2020 |
| Instrument | 5770/2582 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,604.00 (+6.11%) Homeowner's exemption | $177,432 (+5.99%) | $269,700 (+2.74%) Land $95,000 Building $174,700 |
| 2024 | $2,454.00 (+2.34%) | ||
| 2023 | $2,398.00 (+4.9%) Homeowner's exemption | $167,410 (+3%) | $262,500 (+31.84%) Land $70,000 Building $192,500 |
| 2022 | $2,286.00 Homeowner's exemption | $162,534 | $199,100 Land $46,000 Building $153,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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